With a constant increase in the number of cars on the road, it gets very tough to protect your car from unwanted mishaps. High repair costs, coupled with the cost of spare parts, can definitely pinch your pockets, which is why it is essential to have a good Car Insurance or a Package Motor Insurance policy. Bajaj Allianz offers car insurance with a range of covers to choose from.

With Bajaj Allianz's innovative and all-round insurance plans and easy vehicle insurance renewals, you get covered with regards to all aspects that an ideal Car Insurance policy should have. On the basis of the plans you opt for, you secure yourself against road accidents, theft, among others along with which you can get cashless settlement at network garages and a lot more! You also get to choose add-on covers of your choice with your Car Insurance policy and with our 24x7 Roadside Assistance facility, help is just a phone call away.

Note: This policy is applicable only for private cars.

Why Car Insurance?

Key Benefits of Bajaj Allianz Car Insurance

Avail 24x7 call assistance and SMS updates for claims support, even on holidays

Transfer up to 50% of your existing No Claim Bonus (NCB) from any other car insurance provider

Cashless claim settlement at over 4000 preferred garages across the country, bringing to you high service standards

Receive 75% on account payment facility based on requirement and when liability is above a certain limit

Personal Accident Cover
Coverage of Rs. 2 lakh for the owner-driver of the vehicle while driving or travelling and mounting or dismounting from the Four-wheeler. Optional personal accident covers for Passenger/ Paid Driver/ driver/ Insured are also available

Third Party Legal Liability
Protection against legal liability due to accidental damages caused to the surrounding property and/ or resulting in permanent injury or death of a person.

Car Insurance Add-on Packages

Add on Covers with your Motor Insurance/Car Insurance policy

A Motor Insurance/Car Insurance policy is only complete once it exceeds the satisfaction of providing security and peace of mind, which is why we have introduced add-on covers that will be of use any time you are in a crisis situation.

24x7 Spot Assistance
This is a Pan-India cover for car insurance policyholders who need assistance while on the road. This includes providing service for emergencies such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more.

Lock and key replacement cover
In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same, you will be indemnified for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle

Accident Shield
Compensations will be made for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car

Consumable Expenses
Cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident, will be covered by our Car Insurance/Motor insurance policy

Conveyance benefit
If the insured car is in a workshop following accidental damage and the claim for the same is accepted, the insured would get a 'per day' cash benefit, as per the plan opted by the insured

Personal baggage
The Insured is indemnified in case of any loss or damage caused to his/her personal baggage kept in their insured vehicle. Damage caused by the covered perils is covered in under Bajaj Allianz's Motor Insurance/Car Insurance policy

Bajaj Allianz is the first to introduce a unique vehicle tracking system in India to its customers, called the DriveSmart Telematics Device. This comes with our Motor Insurance/Car Insurance policy and helps in keeping in check one's driving pattern and behavior, as well as monitoring the condition of their car's engine and battery. Apart from that, it also helps in tracking and locating the vehicle, ensuring complete safety for you and your family.

The benefits of opting for DriveSmart with your Car Insurance policy

When you purchase a Vehicle Insurance with us, you get to avail several additional benefits when you opt for our DriveSmart service with it, such as:

Complete diagnosis of the vehicle: This will help you check the condition of your car's battery and engine

Tracking your vehicle: You get to see the last location of your car on a map as well as the location and navigation details of your car. You can also share the location of your car with your friends and family via Whatsapp, SMS and email

Monitoring driving patterns: It provides you with a summary of distance travelled in a day, longest trip taken, highest speed reached, braking pattern, speed variance and much more

Customization: It allows you to create custom trips and see it on a map, and shares interesting statistics about the route and lets you share your car trips on social media

Set and receive important alerts for your car: The device notifies you on over speeding, unauthorized movement of the car or low battery. It sends alerts on PUC date, servicing date, driving license expiry of your car as well.

Help and support: You can ask an automobile expert regarding any car related query through the DriveSmart Telematics Device

Available Best Car Insurance Plans

Premium Cost

Coverage

Own Damage Premium

Basic Third Party Liability

PA-Cover for Owner/Driver

Coverage for Electrical accessories

Coverage for Non-Electrical accessories

PA-Cover for co-passenger

CNG Kit Coverage

Driver Cover

NCB Discount

Voluntary Deductible - Save Premium

Depreciation Shield

Engine Protector

24/7 Roadside Assistance

BEST VALUE

Low

Low

Low

Optional

Optional

Optional

Optional

Optional

Optional

Optional

STANDARD

Regular

Regular

Regular

Optional

Optional

Optional

Optional

Optional

Optional

FLEXIBLE PLAN

Enhanced

Enhanced

Enhanced

Optional

Optional

Optional

Optional

Optional

Optional

Optional

Exclusions you should know about in your Motor Insurance Policy

Normal wear and tear and general ageing of the insured vehicle

Depreciation or any consequential loss

Mechanical/electrical breakdown

Wear and tear of consumables like tyres and tubes unless the vehicle is damaged at the same time, in which case the liability of the company shall be limited to 50% of the cost of replacing the damaged part

Vehicle used otherwise than limitations as to use

Damage by a person driving any vehicle without a valid license

Damage by a person driving the vehicle under the influence of drugs or liquor

Loss/damage due to war, mutiny or nuclear risk

To know more about exclusions in our Car Insurance in India, please refer to the brochure in the tools section above.

Car Insurance Claim Process

Whether your car has a minor accident or a major breakdown, you would prefer to go for a short and easy Vehicle Insurance claim process rather than a lengthy one; which is why we have minimized it into three simple steps:

Register your claim with us

You would need to register a claim as soon as possible following the accident/theft of your car. You can do this online by visiting the page here or over the phone by dialing our Toll free number - 1800-209-5858, post which you will be connected to our customer care executive who will guide you through the entire Car Insurance claim process.

Please keep the following information handy while registering a claim:

Engine and Chassis Number

Accident date and time

Description and location of the accident

Car inspection address

Km. reading

Police complaint, in case of theft

Please note that in case of theft, you would need to file a police complaint as soon as possible, so that when you are registering a claim with us you are able to produce the same, along with the other documents.

Send your car for repair, if applicable

Whether your car is vandalized, meets with a collision, or gets damaged by some peril, you would need to take it to the garage, if it is in a movable condition, or have it towed there to avoid any further damage.

Final step for claim settlement

You will have to submit the copies of all the required documents to the garage/dealer who is helping you with your Vehicle Insurance claim and get them verified with the originals. Following which, we will make the payment for the repair directly to the network garage once it is ready to be sent back to you. Do note that you will have to pay the excess amount according to the norms mentioned in your policy that include depreciation amount, salvage etc. which will be informed to you by our surveyor.

If the loss is not so severe, we suggest that you avail the spot settlement of Car Insurance claims through Bajaj Allianz Mobile settlement service.

NCB stands for No Claim Bonus, which is a discount offered on the motor insurance premium to the insured at the time of renewal of their policy. The discount is applicable only if no claims were made during the previous policy period.

A car insurance can be topped up with several add-on covers that come at an additional premium. The add-on covers and their benefits are listed below:

24x7 Spot Assistance which provides services such as repair of flat tyre, jump start for car battery, legal advice in case of an accident and many more during emergency situations

Lock and key replacement cover that indemnifies the insurer for the cost incurred in fitting or purchasing new locks or replacement of keys of the insured vehicle In the event of an irrecoverable loss of keys or a security risk arising out of a loss of the same

Accident Shield that provides compensation for total permanent disability or death of occupants (other than a paid driver), which arises out of bodily injury due to an accident that takes place while they are traveling in the insured car

Consumable Expenses that covers cost of consumables such as Engine oil, Gear box oil, Power steering oil, coolant, AC gas oil, Brake oil, etc. that may be incurred while replacing/replenishing the damaged vehicle, following an accident

Conveyance benefit that offers 'per day' cash benefit if the insured car is in a workshop following an accident and the claim for the same is accepted

Personal baggage that indemnifies the insuredin case of any loss or damage caused to his/her personal baggage kept in their insured vehicle

Yes, your NCB can be transferred even if you decide to change your car or your insurer. NCB solely depends on your claim-free record, which in turn shows how carefully you drive and maintain your car.
Please note that NCB discount is applicable only on own damage premium and not third party insurance for cars.

If your car insurance lapses you will have to produce the vehicle for inspection, after which the policy will be renewed. If you have earned an NCB and you do not renew your policy within 90 days of it lapsing, your NCB percentage will be reduced to zero.

IDV in car insurance is simply your car's current market value which is fixed on current/ ex showroom price - Deprecation value or Mutual understanding between the insured and the insurer for vehicles above 5 years or obsolete model.

When a vehicle meets with an accident and the parts need to be replaced while repairing as per assessment, customer needs to bear the depreciation as per age of vehicle and material type. This depreciation is covered under nil depreciation or zero depreciation.

Say you meet with an accident and insurance company liability (amount) of repair comes up to Rs 5000 for example, you will be required to pay some of the amount say 1000 or 2000 based on cc of your Car, as compulsory deductible or compulsory excess.

All insurance companies have to define a period for which the insurance cover is applicable. Both the policy start date and end date will be clearly mentioned on the policy document furnished by the insurance company. Insurance is valid within the start and end date. Post the end date, you will be required to renew the policy to enjoy further insurance cover.

Disclaimer: Notwithstanding my telephone/mobile is registered with NDNC and or notwithstanding the Telecom Regulatory Authority of India [TRAI] restrictions/guidelines on unsolicited telecalls, by my accessing this web site and leaving the site half way enquiring/verify Bajaj Allianz General Insurance Co. Ltd's [BAGIC] products/services and or my making a request to call me back, it is deemed that I have expressly authorized BAGIC and or I am hereby authorizing BAGIC to call me back or send me text messages for solicitation and procurement of various insurance products and services of BAGIC. In this regard I shall not have any complaint nor complain to TRAI as to any alleged unsolicited calls by BAGIC to me.

Insurance is the subject matter of solicitation.
Bajaj Allianz General Insurance Co. Ltd. All Rights Reserved. | IRDA Reg. No. 113 | An ISO 27001:2013 Certified Company | Tollfree:
1800-209-0144 | 1800-209-5858
BAGIC CIN - U66010PN2000PLC015329 | Bajaj Allianz House, Airport Road, Yerawada, Pune-411006Disclaimer: Images used on this website and the models photographed in them are for representative purposes only and are not indicative of anyone's personal thoughts or ideas.
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